| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1285 DRUMMERS LANE, SUITE 305 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $132K | $132K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCY COMPANY | $17K | $45 | $17K | 9.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCY COMPANY | $0 | $3K | $3K | 1.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCY COMPANY | $0 | $42 | $42 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2185 N CALIFORNIA BLVD, SUITE 400 WALNUT CREEK, CA 20001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 15.04% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $407 | $34 | $441 | 4.08% |
| KATCHEN FINANCIAL GROUP3 Filed as: KATCHEN FINANCIAL GROUP INC | C/O KATCHEN FINANCIAL GROUP INC BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 2.60% |
| DICE INSURANCE INC3 | 5219 CASENTINO CT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 2.15% |
| MITCHELL KATCHEN3 Filed as: MITCHELL L KATCHEN | 674 US HIGHWAY 202/206 BRIDGEWATER, NJ 08807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 1.09% |
| GARY D DAVIS3 | 1 ARCTURUS DR SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $34 | $82 | 0.76% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.57% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM SERVICES INS CNTR INC | 818 FREDERICK RD BALTIMORE, MD 21228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.22% |
| STEPHANIE BARBER3 | 5314 EAST AVE BALTIMORE, MD 21206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.19% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.09% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCY COMPANY | 272 | $170K |
| Vision | METROPOLITAN LIFE INSURANCY COMPANY | 272 | $170K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $128K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $117K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.